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STOCK COMPARISON

HSD vs China Life Insurance Co Ltd A: Fair Value & Quality

Both stocks run through our valuation models. Here is how HSD (HSD) and China Life Insurance Co Ltd A (601628) compare, as of Aug 11, 2026.

As of Aug 11, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: HSD trades at £0.54 versus a fair value of £0.17 (-68%), while China Life Insurance Co Ltd A trades at ¥37.70 versus ¥70.87 (+88%).
HSD
HSD.LSE · GBX · Financials
-68%
upside to fair value
overvalued
Price£0.54
Fair Value£0.17
Quality55/100
China Life Insurance Co Ltd A
601628.SHG · CNY · Financials
+88%
upside to fair value
undervalued
Price¥37.70
Fair Value¥70.87
Quality63/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

HSDChina Life Insurance Co Ltd A
Valuation
18.2×P/E (TTM)7.3×
0.56×P/S (TTM)3.09×
6.09×P/B1.78×
8.2×EV/EBITDA6.0×
3.53×PEG0.68×
7.9%Dividend yield2.3%
£0.05Dividend per share¥0.86
Profitability
2%Net margin42%
2%Operating margin38%
24%Return on equity25%
0%Return on assets2%
Growth
188%Revenue growth (YoY)-15%
-25.8%Avg. growth/yr (3Y)-9.5%
-0.5%Avg. growth/yr (5Y)-4.8%
Balance & size
Debt / equity0.06×
$100MMarket cap$157B
weakGrowth qualityweak

China Life Insurance Co Ltd A leads: 4 to 9 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

HSDof which business quality 53 · market factors 61 China Life Insurance Co Ltd Aof which business quality 57 · market factors 41
ProfitabilityMargins and returns on capital today
19
47
Quality GrowthAre margins and returns improving?
29
68
CashflowEarnings quality: real cash, not paper profit
98
100
Fin. StrengthBalance sheet, leverage, solvency risk
13
1
InvestmentDisciplined investing over empire-building
98
59
Low VolatilityCalm price path (market factor)
84
68
MomentumPrice trend over the last 3–12 months (market factor)
48
32
52W MomentumDistance to the 52-week high (market factor)
59
27
Net IssuanceBuybacks instead of dilution
82
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

HSD

Dividend Discount£0.36
Multiples£0.17
Asset-Based£0.08
Economic Profit£0.11

6 of 6 models see the stock below the current price.

China Life Insurance Co Ltd A

Dividend Discount¥17.98
Multiples¥50.18
Asset-Based¥14.11
Economic Profit¥57.79

4 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

HSD
Bear £0.13Fair Value £0.17Bull £0.21
£0.54 = current price (white tick)
China Life Insurance Co Ltd A
Bear ¥53.15Fair Value ¥70.87Bull ¥88.58
¥37.70 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

HSD · Financials

Quality score55 · below median
Fair value upside-68% · bottom 25%

China Life Insurance Co Ltd A · Financials

Quality score63 · Top 25%
Fair value upside+88% · Top 25%

Bottom line

As of Aug 11, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: HSD trades at £0.54 versus a fair value of £0.17 (-68%), while China Life Insurance Co Ltd A trades at ¥37.70 versus ¥70.87 (+88%).

China Life Insurance Co Ltd A has the higher quality score (63/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.